Jumpstart Program

Thanks for enrolling in our Jumpstart Program and Congratulations on taking the first step to getting your Loan Modification done.

Here are some quick instructions to get things moving:

Step 1 - Print this screen so you can fill in the form offline and make notes while you gather your documentation. You will want to come back to this form when you are ready to fill it out in one sitting. THE FORM WILL NOT SAVE IF YOU LEAVE THIS SCREEN!!.

Step 2 - Gather all the documents at the bottom of this page that apply to you and have them with you when you are ready to start filling in this online form. You will need to reference certain information on those documents when filling this out.

Step 3 - Once you have completed this form go back through it field by field and be sure everything is correct.

Step 4 - When you are comfortable you have provided everything click the SUBMIT button at the bottom. This will send us all the information your provided.

Step 5 - Organize all the backup documentation and email it to us (first scan it if you can) or fax it to us. Our fax number is 530-452-2051. The email to send it to is docs@lowdocloanmodification.com

Step 6 - Wait for our phone call. We will contact you at the phone number you provide to us below within 24 hours to review everything and to start putting together your loan modification proposal, hardship letter, and filling in any blanks.


APPLICATION FOR LOAN MODIFICATION

Print Version
  BORROWER  
Name:
Address:
Address 2:
City, State, Zipcode:
Married: Yes:     No:
Home Phone:
Cell Phone:
Email Address:
Work Phone:
May we cantact you at work? Yes:     No:
Social Security #:
Date of Birth:
Employer:
Self Employed? Yes:     No:
Job Title:
Business Type:
Time on Job:
Other Income:
  CO-BORROWER  
Name:
Address:
Address 2:
City, State, Zipcode:
Married: Yes:     No:
Home Phone:
Cell Phone:
Email Address:
Work Phone:
May we cantact you at work? Yes:     No:
Social Security #:
Date of Birth:
Employer:
Self Employed? Yes:     No:
Job Title:
Business Type:
Time on Job:
Other Income:

  SUBJECT PROPERTY INFORMATION  
Address: Owner Occupied? Yes: No:
Address 2: Estimated Value:
City, State, Zipcode: Notice of Default been issued? Yes: No:
Property Type: If Yes, when is the sale date?

  FIRST MORTGAGE  
Lender: Balance:
Loan #: Rate:
Have you contacted lender yet? Yes:     No: Loan Type: Fixed: Adjustable:
Are payments current? Yes:     No: When did you take out this mortgage?
If no, how many past due payments: Payment (excluding taxes and insurance):
Are taxes and insurance included? Yes:     No: Is this loan negative amortization? Yes: No:
If no, monthly taxes: HOA Dues:
If no, monthly insurance: HOA Dues current?: Yes: No:

  SECOND MORTGAGE  
Lender: Balance:
Loan #: Rate:
Have you contacted lender yet? Yes:     No: Loan Type: Fixed: Adjustable:
Are payments current? Yes:     No: When did you take out this mortgage?
If no, how many past due payments: Payment (excluding taxes and insurance):

  THIRD MORTGAGE  
Lender: Balance:
Loan #: Rate:
Have you contacted lender yet? Yes:     No: Loan Type: Fixed: Adjustable:
Are payments current? Yes:     No: When did you take out this mortgage?
If no, how many past due payments: Payment (excluding taxes and insurance):

  MONTHLY INCOME  
Description Borrower Co-Borrower Total
Gross Income
Overtime
Commissions/Bonuses (monthly)
Rental Income
Child Support/Alimony
Other Income
Less:Fed Income Tax
Less: State Income Tax
Less: Other Deductions
Monthly Net Income

  MONTHLY EXPENSES  
Description Monthly Payment Total Balance Due Months Remaining
Flood/Wind/Earthquake Insurance
Auto Loan 1
Auto Loan 2
Auto Insurance
Auto Maintenence
Gasoline/Parking
Other Loans
Credit Cards
Utilities (electric, gas, water, trash, etc)
Cellular
Medical, Dental, Life Insurance
Medical Expense (not covered by Ins.)
Groceries, Food, Toletries
Entertainment/Vacation
Child Care
School Tuition
Alimony/Child Support
Clothing
Other
Total Monthly Expenses

  ASSETS  
Description Borrower Co-Borrower Total
Checking Account
Savings Account
Cash
Certificates of Deposit (CD's)
Stocks/Bonds/Mutual Funds
401K/IRA/Retirement Accts.
Automobile 1
Automobile 2
Other Assets
Total Net Value of Assets

  SCHEDULE OF REAL ESTATE  
IF YOU OWN MORE THAN ONE PROPERTY, COMPLETE INFORMATION FOR EACH PROPERTY YOU OWN. BE SURE TO SEPARATE THE TAXES AND INSURANCE FROM YOUR PAYMENT IF THEY ARE COMBINED ON YOUR STATEMENT.
  Property One  
Address: Lender Name:
Address 2: Mortgage Balance
City, State, Zipcode: Mortgage Payment:
Monthly Rental Income: % of Ownership:
Property Type: Taxes and Insurance:
# of Units: HOA Dues:

  Property Two  
Address: Lender Name:
Address 2: Mortgage Balance
City, State, Zipcode: Mortgage Payment:
Monthly Rental Income: % of Ownership:
Property Type: Taxes and Insurance:
# of Units: HOA Dues:

  Property Three  
Address: Lender Name:
Address 2: Mortgage Balance
City, State, Zipcode: Mortgage Payment:
Monthly Rental Income: % of Ownership:
Property Type: Taxes and Insurance:
# of Units: HOA Dues:

  DISCLAIMER  
I (we) agree that the financial information provided is an accurate statement of my (our) financial status. I (we) understand and acknowledge that any action taken by the Lender is in strict reliance on this information. I (we) authorize verification or re-verification of any information contained in the Financial Statement at anytime by the lender, its agents, successors and assigns, either directly or through a third party, including but not limited to a credit reporting agency, from any source named in this Financial Statement or otherwise submitted in connection therewith. My (our) signature below grants the holder of my mortgage the authority to confirm the information that I have disclosed in this financial statement and to verify it is accurate.
I (WE) AGREE:     I (WE) DO NOT AGREE:

  HARDSHIP LETTER  
As part of the Jumpstart program we will consult with your hardship letter. In order to better assist you please check the following boxes that apply. When we call you for your phone appointment we will clarify any issues and help you expand on these areas to create the actual letter.

I am having difficulty making my monthly payment(s) because of financial difficulties created by (Please check all that apply):
 Abandonment of Property
 Business Failure
 Casualty Loss
 Curtailment of Income
 Death in the Family
 Death or Mortgagor
 Distant Employment Transfer
 Excessive Obligations
  Fraud
 Illness in Family
 Illness of Mortgagor
 Inability to Rent Property
 Incarceration
 Marital Difficulties
 Military Service

  Payment Adjustment
 Payment Dispute
 Property Problems
 Title Problems
 Transferring Property
 Unemployment
 Other

  ADDITIONAL DOCUMENTATION REQUIRED  
Please provide the following backup documentation that we will need to complete the loan modification submission to your lender.

You may scan and email these documents to docs@lowcostloanmodification.com or fax it to 530-452-2159. Please indicate how many pages are in your fax on the cover sheet.
If W-2 employee or retired:

Step by step instructions on how to obtain a loan modification with valuable TIPS for each step only found through experience.

12 different forms required by your lender.

Instructions on seeing if you qualify for the 2% Obama HAMP program.

What your lender will require of you personally to complete the process.

Help with your proposal to your lender.

How to follow up with your lender's loss mitigation people.

4 alternatives to loan modification.

Samples of actual modifications.

Credit information and advice how to get your credit back and deal with debt NOW.

BRAND NEW!! - How to refinance using your home's current value and save tens of thousands - (for the right borrower this is the best of all worlds - see if you qualify).

How to stop foreclosure and sale - little known method of keeping homeowners in their home with no mortgage payments for months or even longer even within 10 days of a sale date.

Is bankruptcy the way to go ?

Laws regarding debt collection, i.e. harassment copy of FDCPA.
If self employed:

Step by step instructions on how to obtain a loan modification with valuable TIPS for each step only found through experience.

12 different forms required by your lender.

Instructions on seeing if you qualify for the 2% Obama HAMP program.

What your lender will require of you personally to complete the process.

Help with your proposal to your lender.

How to follow up with your lender's loss mitigation people.

4 alternatives to loan modification.

Samples of actual modifications.

Credit information and advice how to get your credit back and deal with debt NOW.

BRAND NEW!! - How to refinance using your home's current value and save tens of thousands - (for the right borrower this is the best of all worlds - see if you qualify).

How to stop foreclosure and sale - little known method of keeping homeowners in their home with no mortgage payments for months or even longer even within 10 days of a sale date.

Is bankruptcy the way to go ?

Laws regarding debt collection, i.e. harassment copy of FDCPA.


Upon Receipt of the application and all the backup documenentation we will contact you to schedule a time to talk and fill in any blanks. We will also send you an email back just to confirm we did receive your submission and your backup documentation. We look forward to jumpstarting this process for you!. Questions? Email Us info@lowcostloanmodification.com